October is here ... and along with Halloween, that means Open Enrollment will be here very soon.

For a plan effective 1/1/16:
Open Enrollment begins November 1, 2015 and runs until December 31, 2015

For a plan effective 2/1/16:
Open Enrollment begins November 1, 2015 and runs until January 31, 2016

Get ready to study new plans, make changes to your current plans and even just enroll in a plan. Enrolling in a plan will save you fees and penalties at the time you compute you taxes every year. This penalty increases every YEAR.

Do you know we can help you with enrolling in plans “ON or OFF” the Exchange?

The Exchange is a vehicle to help you pay your premium, a subsidy may be available to you – it’s a way to reduce your premium and still get a great insurance plan. The Exchange is also known as ConnectforhealthCo.org, check it out and call us.

SO ... the initial 'OPEN ENROLLMENT PERIOD' from November 15th to December 15th is OVER.

Hopefully you were able to get the changes made you needed to make, and got enrolled in the plan you wanted.
Did you know the subsidy amounts went down for 2015?

If you had a challenge on the "CONNECTFORHEALTHCO.COM" website, you can give us a call. We will try to help you ... we know how hard it is to navigate!

WE CAN HELP !!!!

Most important of all, you can still enroll in a plan.YES YOU CAN!

You now have until January 15th to have an effective date of February 1, 2015.

If you are looking to make a change from your current plan to another better option for your circumstances in 2015 - there ARE choices. We have an old/new carrier that has changed the plan designs and they are very competitive this year.

Colorado HealthOP is a new driver for Northern Colorado. They provide two different networks of providers. The EPO (Exclusive Provider Organization) includes the Banner Health System, including McKee Medical Center in Loveland and Northern Colorado Medical Center in Greeley.

The PPO (Preferred Provider Organization) includes all providers that are in the Coffinity network. This network is a broader network and includes providers throughout the whole state.

OCTOBER 15, 2014

You can begin previewing the health insurance plans for 2015 (but ify ou qualify for cost reductions, you won't be able to see what your exact costs will be, even in your current plan – until November 15, 2014.

NOVEMBER 15, 2015

Open Enrollment for 2015 begins! Whether you are an existing customer or one who is apply for the first time (and are eligible), this is the first date you will be able to compare how much YOU would pay for different health plans, based on your own financial situation. When you've chosen the plan that owrks best for you, you can purchase a private plan – or are required to re-apply. Those who miss this date may have a gap in insurance coverate.

FEBRUARY 15, 2015

Open Enrollment for 2015 ENDS. Unless you have certain changes in your situation later, this is the LAST DAY to enroll in health insurance and avoid paying a fine in 2015.

March 6, 2014After days of speculation, the Obama Administration on Wednesday announced a two-year extension for individual health insurance policies that do not meet the standards of the Affordable Care Act.

SO ...

What that means to all of you who did "early renew" your plans with Anthem - is that we will NOT have to make a change in 2014 to be compliant with the 10 Essential Benefits.

IF ...

you want to see what an ACA compliant plan looks like and know the cost, please let me know and we will provide you with that information.